The FDIC isn't funded by taxpayers, but by premiums that banks pay. An institution that has FDIC insurance covers deposits up to $250,000 per depositor. It never insures investments like stocks, bonds, mutual funds, or annuities—even if you buy them through an FDIC-insured institution.
Arguments in Favor of Buying Term Insurance and Investing the Difference. When you buy a term policy, all of your premiums go toward securing a death benefit for your beneficiaries. Term life insurance provides an incomparable return on investment should your beneficiaries ever have to use it.
Find out what types of insurance investors have against investment losses. Learn about the investment insurance against broker bankruptcy in
Numerous small life-insurance companies and other financial institutions investors from bad decisions about what investments they buy.
Universal life insurance typically offers flexible premiums, an adjustable death benefit and a savings component depending on risk tolerance and asset allocation, but may include a medical exam to qualify. In both cases taxes are deferred and investors can borrow money against the cash value of the policy.
Investing within a policy may involve locking into a strategy that's hard to change.
The purpose of life insurance is simple: to make sure that your kids - or other people who depend on you for financial support - will be OK if you die prematurely.
Anyone talking about using life insurance as an investment is talking about a permanent life insurance policy, most likely a whole life insurance
Let your money travel through time! Investment vehicles let you spend money now to get more money later (they usually have nothing to do with cars). Insurance
Every once in a while we get a call on our Financial Helpline from someone whose financial adviser recommended that they invest in a